Poor Credit Loans

Are you finding it difficult to find a cheap loan rate due to your credit rating? If you have a poor credit rating due to CCJs, mortgage arrears, missed payments, or have claimed bankruptcy how can you find a cheap loan or a loan that you can afford?

Use WiseBuy’s no obligation, quick and easy service to find a poor credit loan. In seconds we can find you competitive adverse credit loans by comparing poor credit loans online from some of the uk's leading lenders.

It’s difficult to know where to start looking with so many adverse credit loans available and also to know if, for your circumstances, that it’s the best rate available. With Wise Buy can help you compare different lenders to help you find a poor credit loan. We have many of the best adverse credit providers in the UK and you can compare the adverse loans online using are home owner loans comparison table.

When you apply for a poor credit loan online you will be given no obligation help from a highly trained underwriter and all offer's will be provided absolutely free of charge with no obligation.

Whenever you apply for a loan the company offering it will perform a credit check. They create a ‘score’ based on factors such as current debts, income and employment and it is on this basis that the lender will determine whether to grant you finance and at what rate. Customers with a poor credit rating would normally have the following characteristics:

1. Has regularly missed or been late with a payment for credit or utilities
2. May have changed job or address regularly
3. Is not registered on the electoral role
4. Carries a high level of debt
5. Might have a default or old CCJ for a small amount
6. Has recently applied for credit and been declined

Please use the loans tables below to find a poor credit loan to help you raise some extra money & take control of your finances.

The loans comparison table below is split into ‘Good’, ‘Fair’ and ‘Poor’ credit profiles and you should use the credit rating which closest relates to your credit history. Remember that many people have a much better credit profile than they think, but don't worry, if you're not sure we will offer the best plan that we can for your individual circumstances, in any case.

Please hover over the symbol in the coloured boxes below to help establish your credit ratings.

Lender Plan Rate Typical APR Product Details 16.3% APR Typical 15.9% APR 16.3% APR Typical 15.9% APR Loan Amount Range (£) 5,000 - 100,000 Loan Type Fixed for Term Maximum Loan To Value 80% Minimum Property Value 60,000 Plan rate based on 26,000 over 120 months 50% LTV typical broker fee 8% Total (only if loan runs full term) 120 x £422.58 Total amount payable £50,709.60 Term (months) 36 - 360 Minimum Age 18 Loan must complete by age n/a Self employed with Accounts? Yes Self Cert for Self Employed? Yes Parent company Ocean Finance and Mortgages Ltd. ' 16.95% APR Typical 18.7% APR 16.95% APR Typical 18.7% APR Loan Amount Range (£) 5,000 - 100,000 Loan Type Variable Maximum Loan To Value 80% Minimum Property Value 75,000 Plan rate based on 26,000 over 120 months 70% LTV typical broker fee 8% Total (only if loan runs full term) 120 x £431.69 Total amount payable £51,802.80 Term (months) 36 - 360 Minimum Age 18 Loan must complete by age n/a Self employed with Accounts? Yes Self Cert for Self Employed? Yes Parent company Blemain Group ' 19.8% APR Typical 16.9% APR 19.8% APR Typical 16.9% APR Loan Amount Range (£) 1,000 - 25,000 Loan Type Variable Maximum Loan To Value 70% Minimum Property Value 50,000 Plan rate based on 25,000 over 120 months 50% LTV typical broker fee 8% Total (only if loan runs full term) 120 x £453.70 Total amount payable £54,444.00 Term (months) 12 - 180 Minimum Age 18 Loan must complete by age n/a Self employed with Accounts? Yes Self Cert for Self Employed? Yes Parent company Norton Finance (UK) Ltd. '

OUR TYPICAL, VARIABLE RATE IS 17.9% APR. RATES RANGE FROM 11.9% to 29.9% APR THINK CAREFULLY BEFORE SECURING OTHER DEBTS AGAINST YOUR HOME. YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON A MORTGAGE OR ANY OTHER DEBT SECURED ON IT. Loans Secured On Your Home

A loan given to a person with a poor credit rating is generally referred to as a poor credit loan, bad credit loan, adverse credit loan or even a CCJ loan. Many individuals with this credit rating think that there are no loans available to them or those that are accessible will have too high a rate.

Yes, it’s true that providers see those with a poor credit rating as a greater risk and they generally increase their rates to compensate for the higher risk of people defaulting. You could still save money by letting wise buy search and compare the loans available on the adverse credit finance market as individual rates can vary enormously from the different lenders. Our partners are able to provide further help based on your circumstances and requirements and they will carry out further searches to see if they can find you a better deal.

Compare the best poor credit loans in seconds with Wise Buy and apply within minutes. Wise Buy provides a no obligation adverse credit loans service that is quick and easy to use. We can put you in touch with a poor credit loans broker and they review your requirements and circumstances and provide a no obligation search for a bad credit loan. No time for delay… compare poor credit loans now

By comparing different adverse credit loans we can help ensure you get a poor credit loan that suits your individual needs & requirements to help you find a good loan deal

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Reviewed Date: 06/11/2008

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